The best way to protect jewelry is jewelry insurance. Our coverage is designed to provide extensive protection for your jewelry. And extraordinary flexibility should anything ever happen to it. Get a jewelry insurance quote today.
With GemShield's "all risk" coverage, your jewelry is protected from almost every imaginable risk, anywhere in the world.
Any new jewelry you purchase while insured through GemShield receives limited coverage for up to 30 days. And it can be easily added to your policy for full coverage.
If your jewelry is lost, stolen, or damaged, we send you back to your jeweler to repair or replace it. Or, if you prefer, use our network of jewelers for a completely personalized experience.
Repair or replace your jewelry to the same state it was before being damaged, lost, or stolen. Repair or replace brand name jewelry with the same brand name, not a cheaper substitute.
Fantastic coverage, quickly and simply.
| GemShield | Renter's Policy [1] | Homeowner's Policy [1] | Jewelry Warranty | |
|---|---|---|---|---|
What is Covered? |
||||
| Loss | ||||
| Theft | Often limited | Often limited | ||
| Damage | Not all damage | Often limited | Limited; regular inspections required | |
| Earthquake/Flood | ||||
| Gifts to others (e.g. fiancée) | Same address only | Same address only | ||
| Worldwide coverage | ||||
| GemShield | Renter's Policy [1] | Homeowner's Policy [1] | Jewelry Warranty | |
|---|---|---|---|---|
Other Features |
||||
| Flexible coverage | Up to $50,000[2] | Capped as low as $1,000 | Capped as low as $1,000 - 5,000 | Capped at purchase price of jewelry |
| Flexible deductible | from $0 to $1000 | Fixed | Same as overall policy | |
| Personalized claims settlement | Work with your jeweler | Jeweler chosen by insurance company | Jeweler chosen by insurance company | Only the jeweler from whom you purchased |
| Discounts | Multiple, jewelry specific | Limited or none | Limited or none | |
| Limited impact of claims | No impact to other policies you may have (home, renter's, auto) | Jewelry-only claim may increase total premium or make jewelry uninsurable | Jewelry-only claim may increase total premium or make jewelry uninsurable | N/A |
[1] Typical coverage without additional premium; coverage and terms vary widely across insurers when "scheduling" jewelry on a homeowner's or renter's policy
[2] Higher coverage limits may be available; please contact us to learn more
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Straightforward answers to most common questions.